Meneropong Hari Tua

Semua berawal dari obrolan ringan beberapa tahun silam di warung kecil miliknya. Topiknya seputar nasib hari tua. Obrolan di pojok pasar siang itu membuat Mujianto (49) dan istrinya, Wijayanti, sadar bahwa nasib hari tua ada di pundak mereka sendiri.

“Kita harus menambah tabungan untuk simpanan hari tua!” tekad Mujianto pada istrinya saat itu. Ia yakin, dengan mulai menata keuangan, kesejahteraan keluarganya akan terjamin.

            Itulah titik awal penting bagi keluarganya. Berjalan bersama CU Mandiri menjadi alasan yang tepat untuk membangun mimpi-mimpinya.

Awal bergabung di CU Mandiri, ia hanya  berorientasi  menabung untuk cadangan kebutuhan harian saja. “Dulu tidak tahu arah tujuan untuk apa menabung. Itu sebabnya saya hanya menabung sekadarnya,” terangnya.

Sekarang, Mujiono memantapkan diri berinvestasi di Simpanan Wajib. Menurutnya, Simpanan Wajib lebih aman karena tidak bisa diambil untuk belanja.

 

Gelisah

Sebelum menekuni usaha berjualan mie ayam seperti sekarang ini, Mujianto pernah bekerja pada orang di Surabaya. Satu ketika, ia  memutuskan untuk berjualan mie ayam. Tahun pertama menjadi tahapan belajar. Tahun berikutnya, ia makin mantap menjalankan usahanya sendiri.

Kini sudah 17 tahun ia menggeluti usaha mie ayam. "Harapannya sih selalu sehat!” ujarnya.

Bersitan harapan tersebut lahir dari kegelisahannya tentang masa depan. Bagaimana jika sudah mulai menua dan sudah tidak kuat bekerja? Pemasukan dari mana, padahal biaya hidup tetap ada dan pasti tambah banyak? Bagaimana dengan keluarganya? Apakah selamanya akan tetap tinggal di rumah kontrakan seperti ini?

Justru kegelisahan itu mendorong Mujianto untuk mulai memikirkan dengan serius dalam berinvestasi.

 

Mitra

Mujianto menjadikan CU Mandiri sebagai mitra usahanya. Langkah yang ia ambil bersama CU Mandiri adalah memanfaatkan fasilitas layanan pinjaman untuk mengembangkan usaha dengan menambah rombong jualannya.

Demi mewujudkan mimpi memiliki rumah sendiri, ia memanfaatkan produk pinjaman PRIMA.  “Sekarang kami sudah tidak bingung-bingung lagi karena tidak perlu pindah-pindah kontrakan,” timpal sang istri.

Selama tujuh tahun, keluarga Mujianto pernah pindah kontrakan dua kali. Merepotkan, harus pindah dari satu rumah ke rumah lain.  Waktu itu, ia tak punya nyali berandai-andai punya rumah sendiri. Ia sadar, sebagai orang kecil, sulit baginya mendapat kepercayaan mengajukan kredit di Bank.

“Mana ada lembaga keuangan yang percaya dengan memberi pinjaman pada orang kecil seperti saya,” katanya. “Kalau nabung untuk beli rumah, sampai kapan tabungannya akan cukup?”

Kini, bersama CU Mandiri, Mujianto bisa merasakan bahwa orang kecil seperti dirinya memiliki kesempatan hidup sejahtera. Sejahtera karena punya arah jelas bagi masa depannya.

Menurutnya, selama kita masih kuat bekerja dan memiliki penghasilan, harus disiplin menyisihkan untuk simpanan hari tua. Siapa lagi kalau bukan kita sendiri yang membiayai hidup kita nanti.

“Jika dulu saya tidak punya apa-apa, sekarang dana pensiun saya untuk hari tua pun sudah saya siapkan,” simpulnya. (Chris)

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